Collections Defense Lawyer in Detroit, MI
Fighting Creditor Actions in Detroit
If you are being harassed by your creditors or a debt collector, you need to know that you have rights against such treatment. The Fair Debt Collection Practices Act (FDCPA) lays out clear guidelines concerning what actions are unacceptable on the part of anyone attempting to collect on a debt, and violations of this law can open the door to legal action.
Come to the Law Offices of Marshall D. Schultz when you have decided that you are not going to put up with debt collector abuse any longer. We take a sincere interest in our clients' well-being, and we will do everything we can to help you resolve your financial problems and achieve a position of financial stability. We have more than 33 years of combined experience, and we know how to get results.
Common Actions the FDCPA Prohibits
When you are liable for bad debt, you are at risk of consequences such as wage garnishment and repossessions, and you may also find yourself targeted with incessant phone calls and letters regarding the amount you owe.
There are several common actions which the FDCPA prohibits, such as:
- Calling you after 9 PM and before 8 AM
- Using abusive or profane language
- Making false threats of imprisonment or threatening violence
- Continuing to contact you after you have made a written request to cease contact
When you work with an attorney, you can refer calls from debt collectors and creditors to our firm, and we will take action to help you resolve the situation.
Legal Defense Against Debt Collectors
A Detroit bankruptcy attorney from our firm can represent you in court if you are being sued over the debt. We may also help you file a lawsuit if you have been victimized through violations of the FDCPA, and if we prevail you could be awarded punitive damages.
Perhaps the most sweeping action you could take against debt collectors is filing for bankruptcy under Chapter 7 or Chapter 13, which will immediately grant you the protection of an automatic stay. Your creditors will be forbidden by law to contact you or attempt to recover the amount you owe as long as the stay is in effect, and as soon as the bankruptcy is complete you will be released from liability by discharging your debt.
Contact us at one of our two office locations in Southfield or Detroit, and we can begin to work towards putting an end to the creditor harassment you may be experiencing.
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